WIXLIB

SubsidiaryOrNewlyAcquired OrFormedOrganisationswhichever comes first, unless:If there is no other insurance available, thefollowing organisations will qualify as namedinsureds:you give us written noticedescribing the acquisition orformation for which you arerequesting an extension tedorregistered subsidiary organisation ofthe first named insured shown in theDeclarations of which, at the beginningof the policy period and at the time ofloss, such first named insured controls,either directly or indirectly, more than50 percent of the interests entitled tovote generally in the election of thegoverning body of such organisation;orweagreetoissueanendorsement to extend coveragefor an additional period (up tothe end of the policy period) inconnection with the acquisitionor formation, in accordance withtheterms,conditionsandadditional premiums determinedby us; andB.anIndiaincorporatedorregistered subsidiary organisation ofthe first named insured shown in theDeclarations that such first namedinsured acquires or forms during thepolicy period, if at the time of loss suchfirst named insured controls, eitherdirectly or indirectly, more than 50percent of the interests entitled to votegenerally in the election of thegoverning body of such organisation.However, unless we agree to extendcoverage for an additional period (inaccordance with the provisions ofparagraph C. under Limitations On WhoIs An Insured), coverage under thisprovision is afforded only for injury ordamage that did not occur later than:30 days after suchformation is executed; oracquisitionyou accept such terms andconditionsandpaysuchpremiums promptly when due.D.No person or organisation is aninsured with respect to the conduct ofany organisation:1.that is incorporated or registeredoutside India; or2.If, at the time of loss, thesecurities of such organisationare, in whole or in part, listed orquoted on any investment orstock exchange outside India.Limits Of InsuranceorThe Limits Of Insurance shown in theDeclarations and the rules below fix the mostwe will pay, regardless of the number of:the end of the policy period;whichever comes first.insureds;LimitationsOn Who IsAn InsuredA.B.Except to the extent provided underthe Subsidiary or Newly Acquired orFormedOrganisationsprovisionabove, no person or organisation isan insured with respect to theconduct of any person or organisationthat is not shown as a namedinsured in the Declarations.No person or organisationinsured with respect to the:is1.ownership, maintenance or useof any assets; or2.conduct of any person ororganisationwhoseassets,business or organisation;No person or organisationinsured with respect to the:isThe Limits Of Insurance apply separately toeach consecutive annual period and to anyremaining period of less than 12 months,starting with the beginning of the policyperiod shown in the Declarations, unless thepolicy period is extended after issuance foran additional period of less than 12 months.In that case, the additional period will bedeemed part of the last preceding period forpurposes of determining the Limits OfInsurance.GeneralAggregateLimitSubject to the Each Occurrence Limit, theGeneral Aggregate Limit is the most we willpay for the sum of damages for bodilyinjury and property damage, exceptdamagesincludedintheproductscompleted operations bject to the Each Occurrence Limit, theProducts-Completed Operations AggregateLimit is the most we will pay for the sum ofdamages for bodily injury and propertydamageincludedintheproductscompleted operations hazard.EachOccurrence LimitThe Each Occurrence Limit is the most we willpay for the sum of damages for bodilyinjury and property damage arising out ofany one occurrence.an1.ownership, maintenance or useof any assets you acquire;2.conduct oforganisationbusiness oracquire; or3.conduct of any organisation youform;any person orwhoseassets,organisation youduring the policy period, eitherdirectly or indirectly, for any injury ordamage that occurs later than:30 days after such acquisition orformation is executed; orthe end of the policy period;persons or organisations making claimsor bringing suits.anyou acquire, either directly orindirectly, for any injury or damagethat occurred, in whole or in part,before such acquisition is executed.C.claims made or suits brought; orAny such sums we pay will reduce theamount of the applicable aggregate limitavailable for any other payment.If the applicable aggregate limit has beenreduced to an amount that is less than theEach Occurrence Limit, the remaining amount

of such aggregate limit is the most that willbe available for any other payment.PaymentsThatReduceThe c, toxic or other hazardousproperties of asbestos.Any damages we pay will reduce the LimitsOf Insurance.B.Payments we make under the Investigation,Defence And Settlements and SupplementaryPayments sections of this insurance contractwill not reduce the Limits Of Insurance.This insurance does not apply to anydamages, loss, cost or expensearising out of any:1.demand,order,request orregulatoryorstatutoryrequirement that any insured orothers test for, monitor, cleanup, remove, contain, treat,detoxify or neutralize, or in anyway respond to, or assess theeffects of asbestos; or2.claim or proceeding by or onbehalfofagovernmentalauthority or others for emoving, containing, treating,detoxifying or neutralizing, or inany way responding to, orassessingtheeffectsofasbestos.ExclusionsThe use of the words damages, loss, cost or expense inany exclusion does not expand any coverage(s) under thisinsurance contract.Aircraft,MotorVehiclesOrWatercraftThis insurance does not apply to bodilyinjury or property damage arising out ofthe ownership, maintenance, use (useincludesoperationandloadingorunloading) or entrustment to others ofany:aircraft;motor vehicle; orwatercraft;BiologicalAgentsA.This insurance does not apply toany damages, loss, cost orexpense arising out of the actual,allegedorthreatenedcontaminative, pathogenic, toxic orother hazardous properties ofbiological agents.B.This insurance does not apply toany damages, loss, cost orexpense arising out of any:owned or operated by or loaned or rented toany insured.This exclusion does not apply to:a watercraft while ashore onpremises owned by or rented toyou; orthe parking of a motor vehicle onpremises owned by or rented toyou, provided the motor vehicle isnot owned by or loaned or rentedto you or the insured.AircraftProductsThis insurance does not apply to anydamages, loss, cost or expense arising outof any aircraft product or any missile orspacecraft, including any:article, equipment, material, part orspare part installed or otherwiseincorporated in, on or under anyaircraft, missile or spacecraft, orfurnished or used in connectiontherewith;air or space communication, guidanceor navigation system;ground control, handling or supportequipment or tools furnished or usedin connection therewith;Contractsequipment or tools furnished or usedin connection with manufacturing,repairing or servicing any of on, instructions, ware,specifications, surveys, training aids,warnings or warranties or engineeringor other data furnished or used inconnection with any of the foregoing;orengineeringorotheradvice,instruction, labor or service relating toany of the foregoing.AsbestosA.This insurance does not apply to anydamages, loss, cost or expensearising out of the actual, alleged or1.demand, order, request orregulatoryorstatutoryrequirement that any insuredor others test for, monitor,clean up, remove, contain,treat, detoxify or neutralize, orin any way respond to, orassesstheeffectsofbiological agents; or2.claim or proceeding by or onbehalf of a governmentalauthorityorothersfordamages because of testingfor, monitoring, cleaning alizing, or in any wayresponding to, or assessingthe effects of biologicalagents.This insurance does not apply to bodilyinjury or property damage for which theinsured is obligated to pay damages byreason of assumption of liability in a contractor agreement.This exclusion does not apply to the liabilityfor damages that such insured would have inthe absence of such contract or agreement.DamageToAlienatedPremisesThis insurance does not apply to propertydamage to any premises you sell, give awayor abandon, if the property damage arisesout of any part of those premises.DamageTo OwnedPropertyThis insurance does not apply to propertydamage to any property owned by you.

DamageTo VariousPropertyOf Others(Care,Control OrCustody)This insurance does notproperty damage to any:applytopersonal property loaned or rented toyou;a. eviction; orproperty on your premises forpurposes of performing operations onsuch property by you or on yourbehalf;failure or refusal to advance,compensate, employ, promoteor make statutory paymentsor other contributions;9.invasion or other violation ofany right of privacy orpublicity;tools or equipment used by you or onyour behalf in performing operations;or10. termination of employment orchange in terms or conditionsof service; orproperty in your care, control orcustody that will be erected,installed or used in constructionoperations by you or on yourbehalf.11. other employment-related act,omission,policy,practice,representation or relationshipinconnectionwithanyinsured at any time.This insurance does not apply toproperty damage to your productarising out of it or any part of it.Employer'sLiabilityA.B.This insurance does not apply tobodily injury to an employee ofthe insured arising out of and inthe course of:1.employmentinsured; orbythe2.performing duties related totheconductoftheinsured's business.This insurance does not apply tobodily injury to the brother,child, parent, sister or spouse ofsuch employee as a consequenceofanyinjurydescribedinparagraph A. above.Paragraphs A. and B. above apply:whether the insured may be liableas an employer or in any othercapacity; andThis insurance does not apply toany damages, loss, cost orexpense sustained at any time byany person, whether or notsustainedinthecourseofemployment by any insured,arising out of any employmentrelated act, omission, policy,practice or representation directedat such person, occurring in wholeor in part at any time, rest,detentionimprisonment;or3.breach of any expressimplied famation or disparagement;criticism,prosecution orThis insurance does not apply to anydamages, loss, cost or expensesustained at any time by the brother,child, parent, sister or spouse of suchperson at whom any employmentrelated act, omission, policy, practiceor representation is directed, asdescribed in paragraph A. above, as aconsequence thereof.Paragraphs A. and B. apply:whether the insured may be liable asan employer or in any other capacity;andto any obligation to share damageswith or repay someone else who mustpay damages because of any of pensesto any obligation to share damageswith or repay someone else whomust pay damages because of anyinjury described in paragraphs A.or B. racticesdemotion,discipline,evaluation or reassignment;b. invasion or other violation ofany right of occupancy;property held by you or on yourbehalf for sale or entrusted to you forsafekeeping or storage;B.6.ExpectedOrIntendedBodilyInjury OrPropertyDamageThis insurance does not apply to any loss,cost or expense incurred by you or others forany:A.enhancement or maintenance of anyproperty; orB.prevention of any injury or damage toany:1.person or organisation; or2.property you own, rent or occupy.This insurance does not apply to bodilyinjury or property damage arising out ofan act that:is intended by the insured; orthat would be expected from thestandpoint of a reasonable person inthe circumstances of the insured;to cause bodily injury or propertydamage, even if the actual bodily injuryor property damage is of a differentdegree or type than intended or expected.This exclusion does not apply to bodilyinjury or property damage resulting fromthe use of reasonable force to protectpersons or tangible property.IntellectualPropertyLawsOrRightsThis insurance does not apply to any actualor alleged bodily injury or propertydamage arising out of, giving rise to or inany way related to any actual or alleged:assertion; orinfringement or violation;

by any person or organisation (includingany insured) of any intellectual propertylaw or right, regardless of whether thisinsurance would otherwise apply to all orpart of any such actual or alleged injury ordamage in the absence of any such actualor alleged assertion, infringement orviolation.MobileEquipmentTransportationThis insurance does not apply to bodilyinjury or property damage arising out ofthe transportation of mobile equipmentby a motor vehicle owned or operated byor loaned or rented to any insured.MultipliedOr PunitiveDamages,OrPenaltiesThis insurance does not apply to any:NuclearEnergyThis insurance does not apply to anydamages, loss, cost or expense arising outof any:KnownBodilyInjury OrPropertyDamagechange, continuation or resumption of anyinjury or damage deemed known, beforethe beginning of the policy period, to haveoccurred.RecallOfProductsThis insurance does not apply to anydamages claimed for any loss, cost orexpense incurred by you or others for theloss of use, withdrawal, recall, inspection,repair, replacement, adjustment, removalor disposal of your product or anyproperty of which such product forms apart, if such product or property iswithdrawn or recalled from the market orfrom use by any person or organisationbecause of a known or suspected defect,deficiency,inadequacyordangerouscondition in it.TerrorismThis insurance does not apply to anydamages, loss, cost or expense arising outof any act of terrorism.exemplary or punitive damages;fine or other penalty; ormultiple portiondamages award.ofanymultipliedFor the purpose of this insurance, an act ofterrorism means an act, including but notlimited to, the use of force or violenceand/or the threat thereof, of any person orgroup(s) of persons, whether acting aloneor on behalf of or in connection with anyorganisation(s)orgovernment(s),committed for political, religious, ideologicalor similar purposes including the intentionto influence any government and/or to putthe public, or any section of the public, infear.ionising radiation or contamination byradioactivity from any nuclear fuel orfrom any nuclear waste from thecombustion of nuclear fuel; orradioactive, toxic, explosive or otherhazardous properties of any explosivenuclearassemblyornuclearcomponent thereof.PollutionA.B.This insurance also excludes any damages,loss, cost or expense arising out of anyactionincontrolling,preventing,suppressing or in any way relating to anyact of terrorism.This insurance does not apply to anydamages, loss, cost or expense arisingout of the actual, alleged orthreateneddischarge,dispersal,seepage, migration, release or escapeof pollutants.If we allege that, by reason of thisexclusion, any damages, loss, cost orexpense is not covered by this insurance,then the burden of proving the contraryshall be upon you.This insurance does not apply to anydamages, loss, cost or expense arisingout of any:1.2.demand, order, request orregulatoryorstatutoryrequirement that any insuredor others test for, monitor,clean up, remove, contain,treat, detoxify or neutralize, orin any way respond to, orassesstheeffectsofpollutants; orclaim or proceeding by or onbehalfofagovernmentalauthority or others for emoving, containing, treating,detoxifying or neutralizing, or inany way responding to, orassessingtheeffectsofpollutants.Paragraphs A. and B. above applyregardless of whether or not the pollutionwasaccidental,expected,gradual,intended, preventable or sudden.In the event any portion of this exclusionis found to be invalid or unenforceable, theremainder shall continue to apply.ProductGuarantee/WarranteePolicy does not cover liability arising out ofany product guarantee and/ or warrantee ;Lossofgoodwill/MarketPolicy does not cover liability arising out ofLoss of Goodwill/ MarketIntendedusePolicy will not cover liability (s) resulting outof damage to the Insured's products arisingout of it or out of any part of it which is oris alleged to be defective or to fail to fulfilthe purpose it was intended for;TobaccoThis insurance does not apply to:Professional LiabilityThis insurance does not apply to anydamages, loss, cost or expense arising outof the rendering of or failing to renderprofessional service or advice, whether ornot that service or advice is ordinary to theinsured’s profession, regardless of whethera claim or suit is brought by a client or anyother person or organisation.any damages, loss, cost or expensearising out of the actual or allegedemergence, contraction, aggravation orexacerbation of any form of cancer,carcinoma, cancerous or e or any other injury, sickness,disease or condition of the human bodyas a result of the consumption or use ofor exposure to the consumption or useof any tobacco product.ProgressionsOfThis insurance does not apply to bodilyinjury or property damage that is athe investigation or defense of anyclaimmade,suitbroughtorproceeding instituted against any

insured; any cost, fine or penalty; orany other expenses for loss related toany of the above.UnapprovedGoodsOrProductsB.declared unsafe by any governmentalor regulatory authority on the basis ofsuch hazardous properties, regardlessof whether such goods or productswere declared unsafe before or after:1.the goods or products weredisposed of, distributed, handled,manufactured or sold; or2.such damages were incurred; orB.disposed of, distributed, icablegovernmental or regulatory authority.Subparagraph A. above does not apply toyour product, to which this insuranceapplies, if such product was disposed of,distributed, handled, manufactured and soldbefore it was declared unsafe, provided itwas not declared unsafe before thebeginning of the policy period.WarB.This insurance does not apply to anydamages, loss, cost or expense arising outof the actual, alleged or threatenedhazardous properties of goods or products:A.BasicExtendedReportingPeriodThis insurance does not apply to anydamages, loss, cost or expense arising,directly or indirectly, out of:war, including undeclared or civil war;warlike action by a military force,including any action in hindering ordefending against any actual orexpected attack, by any government,sovereign or other authority usingmilitary personnel or other agents; orinsurrection, rebellion, revolution orusurped power, including any actionby any governmental authority inhindering or defending against any ofthese;regardless of whether this insurance wouldotherwise apply to all or part of any suchdamages, loss, cost or expense in theabsence of any of the foregoing.Workers'CompensationOrSimilarLawsThis insurance does not apply to anyobligation of the insured under anyworkers' compensation, disability benefitsor unemployment compensation law or anysimilar law.Extended Reporting dReportingWe will automatically provide a BasicExtended Reporting Period and, if youpurchase it, a Supplemental ExtendedReporting Period, if:A.this insurancerenewed; orB.we renew or replace this insurance withother insurance that:iscanceledornot1.has a retroactive date later than theRetroactive Date shown in theDeclarations for this insurance; or2.does not apply on a claims-madebasis.Extended Reporting Periods:A.before the Retroactive Date shown inthe Declarations or after the end of thepolicy period.PeriodsApplyapply only to claims for damages forinjury or damage that did not occurdo not:1.extend the policy period orchange the scope of coverageprovided;2.reinstate or increase the LimitsOf Insurance; or3.apply to any injury, damage,claim, suit or other circumstancereported, in whole or in part, tous or any other insurer befor

COMMERCIAL GENERAL LIABILITY POLICY WORDINGS Future Generali India Insurance Company Limited, IRDAI Regn. No. 132 CIN: U66030MH2006PLC165287 . rights and duties under this insurance. Partnership s, Joint Ventures Or Unincorpor ated Organisatio ns If you are a partnership established in